Purchase Originations
786
Ranked #463 nationally
Median Total Costs
$11,416
+70.9% vs national ($6,680)
↓ $924 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$7,088
Median Lender Credits
$3,000
Cost Rank (500+ vol.)
#574
among lenders with 500+ originations
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 765 | 6.875% | $11,265 | $7,092 |
| fha | 21 | 6.250% | $19,740 | $5,943 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 403 | 7.000% | $13,382 | #94 |
| Texas | 133 | 6.750% | $11,464 | #247 |
| Virginia | 128 | 6.875% | $8,699 | #110 |
| Maryland | 56 | 7.000% | $10,400 | #129 |
| Georgia | 34 | 6.750% | $8,867 | — |
| Florida | 7 | 7.375% | $10,104 | — |
| Nevada | 7 | 6.375% | $5,230 | — |
| Colorado | 6 | 6.625% | $11,457 | — |
| North Carolina | 3 | 6.750% | $12,440 | — |
| New Jersey | 3 | 6.875% | $10,500 | — |
| South Carolina | 2 | 6.438% | $12,202 | — |
| Washington | 2 | 7.312% | $10,959 | — |
| Alabama | 1 | 7.250% | $10,726 | — |
| Arizona | 1 | 7.250% | $5,061 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,230 | 6.375% | — | 7 | −$6,186 | |
| 2 | $7,364 | 6.750% | — | 54 | −$4,052 | |
| 3 | $8,480 | 6.938% | — | 14 | −$2,936 | |
| 4 | $8,868 | 7.500% | — | 7 | −$2,548 | |
| 5 | $8,877 | 6.750% | — | 15 | −$2,539 | |
| 6 | $9,083 | 6.750% | — | 24 | −$2,333 | |
| 7 | $9,891 | 6.875% | — | 32 | −$1,525 | |
| 8 | $10,442 | 6.625% | — | 7 | −$974 | |
| 9 | $10,451 | 6.875% | — | 18 | −$965 | |
| 10 | $10,656 | 7.250% | — | 13 | −$760 | |
| 11 | $11,462 | 6.750% | — | 50 | +$46 | |
| 12 | $11,625 | 7.000% | — | 71 | +$209 | |
| 13 | $12,374 | 6.875% | — | 17 | +$958 | |
| 14 | $12,478 | 6.875% | — | 12 | +$1,062 | |
| 15 | $12,538 | 6.562% | — | 6 | +$1,122 | |
| 16 | $12,581 | 6.875% | — | 33 | +$1,165 | |
| 17 | $13,138 | 7.188% | — | 12 | +$1,722 | |
| 18 | $13,353 | 7.000% | — | 64 | +$1,937 | |
| 19 | $13,568 | 6.750% | — | 5 | +$2,152 | |
| 20 | $15,520 | 7.000% | — | 187 | +$4,104 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Emet Lending Group, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $515,000 | $335,000 | +$180,000 (+53.7%) |
| Median total closing costs | $11,416 | $7,127 | +$4,289 (+60.2%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.